As part of the ESAF Bank CSR initiative, Prachodhan Development Services (PDS) hosted a series of children’s camps across Assam, Maharashtra, Jharkhand, and Madhya Pradesh, engaging over 246 children in creative and educational activities. The camps in Kulichapori, Majuli in the state of Assam, which held from 3rd May to 5th May, focused on paper craft and creative writing, fostering creativity and cognitive development among 75 students under the guidance of Mr. Rakesh Pegu and Ms. Tulika Doley. The one-day camp conducted on 7th May at the Government Shelter Home for Boys in Nagpur witnessed 28 children showcasing their talents in craft exhibitions and participation of children in self-development and art workshops which led by Ms. Tejal Jogewar and Ms. Bharti Radke, culminating in a music therapy session by Mr. Akshay Nanda from EFICOR.

The three-day camp from 22nd May to 24th May at Nonihat School, Jharkhand, had the participation of 88 children in activities promoting environmental awareness, financial literacy, and cultural harmony. They reused waste materials, made various pickles, and presented traditional dances, which were supported by Mr. Rahul Sinha and Mr. Debashish Sen from ESAF Bank. Concurrently, a two-day summer camp at Eminent Height Public School in Vidisha on 22nd -23rd May engaged 55 children in art, quizzes, storytelling, and historical site visits. The camp emphasized children’s rights, banking benefits, and local history, under the guidance of Shri Amit Aggarwal, Shri JP Mishra Ji, and Shri Ravindra Dangi. These camps collectively provided diverse learning experiences, fostering creativity, skill development, and cultural appreciation among the participants.

As part of ESAF Small Finance Bank’s CSR initiatives, Independence Day celebrations were organized across various locations with for Balajyothi students by engaging children and community members in patriotic activities. A total of 924 participants, including students and parents, joined the celebrations across four states Jharkhand, Maharashtra, Odisha and Assam. The celebrations emphasized the spirit of independence and national pride, fostering unity and community engagement acro ss these diverse regions.

As part of its CSR initiative, ESAF Bank’s Prachodhan Development Services celebrated Environment Day and Balajyothi camp with students across different states like Jharkhand, Maharashtra, Madhya Pradesh, Assam, Odisha with engaging a total of 787 children. Through environment week celebration children delivered powerful messages on saving trees, water, and land. Activities included drawing images and depicting messages on tote bags, managing dry and wet waste, discussing ocean pollution and bio-magnification, deforestation impacts, industrialization and carbon emissions, and promoting the 3 R: Reduce, Reuse, and Recycle.

During summer camp children involve in various activity like leadership training, life skill and psychomotor development of learners regarding practices of communication, creativity, problem solving and storytelling, exposure visit, Stage Dance performance and many more.

Hands-on Gardening: Balajyothi Kids Cultivate a Greener Future

As part of the Corporate Social Responsibility (CSR) initiatives of the ESAF Small Finance Bank, the ESAF Foundation spearheaded a host of activities in celebration of World Environment Day. Throughout Environment Week, the foundation orchestrated a series of awareness and educational programs across various schools and study centres in Kerala and Tamil Nadu, impacting over 6,000 students and engaging numerous volunteers and staff members.

The activities were diverse and engaging, including flash mobs, skits, exhibitions, and drawing competitions, all centred on the theme of environmental conservation. In addition to these educational initiatives, the foundation took practical steps to promote sustainability, such as planting saplings and distributing tree saplings and eco-friendly cloth bags.

These initiatives were organized in collaboration with several schools and colleges, to instil a sense of environmental responsibility in students. By fostering a deeper appreciation for sustainability, the program aims to nurture a generation that values and actively advocates for environmental stewardship.

The ESAF Foundation team visited several camps affected by the Mundakai and Chooralmala landslides, including G.L.P School Meppadi, G.H.S.S Meppadi, C.M.S Higher Secondary School Arapatta, WMO Arts and Science College Muttil, G.H.S School Rippon, De Paul Public School Kalpatta, and S.K.M.J Kalpatta. The primary objective of the team was to provide psychosocial first aid, concentrating on the emotional and psychological well-being of the affected individuals, especially children. These activities were conducted as part of the Corporate Social Responsibility (CSR) initiatives of the ESAF Small Finance Bank (ESAF SFB).

To address their unique needs, the team implemented various care programs and activities on individual, group, and family levels. These initiatives aimed to create a comfortable and supportive environment, featuring activities and games designed to promote learning, habit development, and emotional healing. Additionally, the team placed a strong emphasis on developing reading skills by organizing activities that fostered a love for reading among children.

The ESAF Foundation team sought to provide holistic support to the landslide-affected community through a variety of activities, including ball passing, painting, individual games, reading, writing, yoga, dance, singing, and storytelling. Each activity was tailored to enhance the children’s cognitive, physical, and creative skills. For instance:

• Physical Activities: Activities like ball passing and individual games were conducted to improve motor skills and teamwork. These activities are crucial as they promote physical health and teach the value of cooperation and fair play.
• Artistic Expression: Painting sessions allowed children to express their creativity and emotions through colours and brushstrokes, fostering their artistic abilities.
• Literacy Development: Reading and writing sessions were emphasized for their importance in improving literacy and communication skills. Through these activities, children expanded their vocabulary, improved their writing abilities, and immersed themselves in the world of books, opening new horizons of knowledge and imagination.
• Mindfulness and Fitness: Yoga sessions were introduced to help children develop mindfulness, improve concentration, and maintain physical fitness.
• Performance Arts: Dance and singing opportunities provided platforms for children to express themselves freely, boosting their confidence and sense of rhythm.
• Imaginative Learning: Storytelling sessions allowed children to dive into the world of imagination while learning valuable life lessons. These stories not only entertained but also imparted moral values, encouraging critical and empathetic thinking.

In addition to these activities, the children also participated in Independence Day celebrations, which were memorable for everyone involved. Marked by patriotic fervor, the celebrations saw children participating in various programs that instilled a sense of national pride and unity. These activities were conducted across several schools, including G.H.S.S Meppadi, G.L.P.S Meppadi, S.K.M.J Kalpatta, and C.M.S Arapatta, each of which added its unique touch to the programs, ensuring every child had the opportunity to participate and enjoy.

ESAF Skill LEAP (Livelihood Entrepreneurship Acceleration Program)

Skill Training Workshops for Women

As part of the CSR initiative of the ESAF Small Finance Bank, the ESAF Foundation organised 20 skill training programs under the ESAF Skill LEAP project in Kerala and Tamil Nadu. These sessions covered various topics such as jewellery making, tailoring training, masala making, bamboo craft, candle making, squash & jam making, bakery & food processing, paper bag making, and soap making. Specifically, 15 trainings were held in Kerala and 5 in Tamil Nadu and reached a total of 676 women, with 436 women trained in Kerala and 240 in Tamil Nadu. The session was conducted by the ESAF Foundation in collaboration with ESAF Cooperative, Khadi & Villages Industries Commission, and Kudumbashree Mission-Malappuram to ensure the success of these initiatives.

ESAF UDYAMI – ESAF Entrepreneurship Acceleration Program

As part of the Corporate Social Responsibility initiative of ESAF Small Finance Bank, the ESAF Foundation conducted a two-day residential training program under the ESAF Entrepreneurship Acceleration Program on the 3rd and 4th of July 2024, at Darsana Pastoral Centre, Peechi. The program was inaugurated by Mrs. Mereena Paul, Executive Director of ESAF Foundation, alongside notable dignitaries including Mr Reji Koshy Daniel, Mr. Anil Paul, Professor Sushantho Sharma, Mr John P Inchakalody, and Mr Saji Issac. The focus was on empowering women entrepreneurs through training in digital marketing and food safety standards.

Twenty-nine women from Thrissur, Ernakulam, Palakkad, Malappuram, Kottayam, and Kozhikode attended the program. Sessions encompassed essential topics like the importance of digital marketing, effective social media strategies, and compliance with food safety regulations. Practical workshops enabled participants to apply the knowledge gained directly.

In conclusion, the ESAF Udyami program effectively equipped women entrepreneurs with valuable skills, contributing significantly to their entrepreneurial journey. Future recommendations include extending the program duration, implementing follow-up sessions, and covering additional subjects such as financial management and e-commerce.

ESAF Mahilodaya Exhibition

The ESAF Mahilodaya exhibition at Mannuthy was a significant event aimed at empowering first-time women entrepreneurs. The program, conducted by the ESAF Foundation, was part of the ESAF SKILL project, a CSR initiative of the ESAF Small Finance Bank. It was inaugurated by Sri. K Paul Thomas, Managing Director and CEO of ESAF Small Finance Bank. He was accompanied by several distinguished guests, including Smt. Meerena Paul, Executive Director of ESAF Foundation, Dr. Jacob Samuel, Director of ESAF Foundation, Sri. Alok Paul Thomas, Managing Director of CEDAR Retail, Smt. Emy Acha Paul, Director of Prachodan Development Service, Sri. John P. Inchakalody, Associate Director of ESAF Foundation, and Sri. Saji Issac, Assistant Director of ESAF Foundation. Additionally, officials from IRMA, Gujarat, were also present to grace the occasion.

The exhibition provided a platform for 20 women entrepreneurs from Thrissur and Ernakulam districts to showcase and sell their products over four days, from the 12th to the 15th of August, 2024. The range of products featured included curry powders, various types of pickles, pappad, eatables, dresses, paintings, palm jaggery, and craft items. The four-day exhibition was a resounding success, culminating in total sales of Rs. 2,64,245.

ESAF Skill Training Empowers women in Kerala and Tamil Nadu

As part of ESAF Small Finance Bank’s CSR initiatives, ESAF Foundation conducted 11 skill training programs across Kerala and Tamil Nadu, benefiting 327 women. These sessions focused on livelihood skills such as payasam and onavibhavangal, curry powder making, health mix preparation, cake making, tailoring, and soap & lip balm production. Training on curry powder making conducted in Muriyad with 28 participants, health mix making were conducted with 44 participants in Cuddalore, and training on soap making conducted in both Salem and Kollengode, reached 94 women. ESAF Foundation collaborated with local entities such as ESAF Cooperative, AUPS Alampallam, Anderson Institute, and Muriyad Gram Panchayat to ensure the success of these programs. The initiative aimed to empower women with practical skills to promote entrepreneurship and self-sufficiency in their communities.

Skill Training Program for Mising Tribe Weavers

As part of ESAF Small finance bank, Prachodhan Development Services conducted a 3-day skill training program for Mising tribal women at Na-ali, Lakhimpur, Assam, under the Skill LEAP project. This initiative, supported by Kiron Foundation, aimed to preserve the heritage of Mising traditional weaving while enhancing participants’ skills in advanced weaving techniques. Twenty women participated in the first capsule of the training, which also provided market access and fostered entrepreneurship. Selected participants will receive further training to promote self-employment through the Off- Farm Producer Organizations (OFPOs). Master trainers facilitated the sessions, contributing to cultural preservation and economic empowerment for the Mising tribal women.

ESAF Market Linkages and Capacity Buildings

Capacity Building Training Program for FPOs – Exposure Visit to “GI Mahotsav cum MABIF Mela 1.0”

ESAF Foundation organized an FPO exposure visit to the GI Mahotsav cum MABIF Mela 1.0 held from May 24 to May 26 at Agricultural College and Research Institute Madurai, Tamil Nadu. The program was organized by NABARD MABIF in collaboration with the Ministry of Micro, Small and Medium Enterprises, NABARD, Tamil Nadu Agricultural University, the event featured over 150 stalls, technical sessions, a buyer-seller meet, a banker session and investors meet. 49 members including BoDs and CEOs from 6 FPOs in Tamil Nadu promoted by ESAF Foundation attended the program. The FPOs gain valuable knowledge of GI tag products, resources, and connections supporting their growth and sustainability in the competitive agricultural market by attending the program.

To motivate and educate local farmers and directors about best practices in lemon farming, the ESAF Foundation organized a training program and exposure visit. This initiative was part of the CSR activities of ESAF Small Finance Bank. A total of nineteen farmers participated in this enlightening event.

The Kadayanallur Farmers Producer Company Ltd, located in Puliyangudi village, Kadayanallur Taluk, Tenkasi district, stands as a remarkable example of agricultural collaboration and growth. Supported by NABARD funds and formed by ESAF-CBBO, this producer company focuses predominantly on lemon cultivation, while also incorporating other crops such as paddy, black gram, vegetables, and flowers.

The visit was to the Kattangur Farmers Producer Company (FPC) in Nalgonda, Telangana, which is renowned for its expertise in lemon production and value addition. During the sessions, the participants gained valuable insights into various aspects of lemon farming.

Mr. Narasimma Reddy, the Chairman of Kattangur FPO, elaborated on the 10000 K FPO schemes and highlighted their significance. The training covered a comprehensive range of topics including lemon grading, packing, exporting, and the production of various lemon-based products such as lemon peel drying, lemon pickle, lemon squash, lemon dried powder, dish wash, floor cleaner, and soaps.

The exposure visit proved to be an enriching experience for the nineteen participating farmers, equipping them with the knowledge and skills to enhance their farming practices and explore new opportunities in lemon production and its derivatives.

As part of ESAF Small Finance Bank’s CSR activities, the ESAF Foundation’s Farm Connect program, aimed at promoting climate-smart agriculture, successfully reached 6,458 farmers across eight states with 128 programs and 88 FPOs. In collaboration with agencies and farmer producer organizations (FPOs), the program focused on sustainable agricultural practices to help farmers adapt to climate change challenges. Key partners such as APMAS and MABIF led 25 programs, supporting over 2,100 farmers combined. Other organizations like Sri Satya Sai, JMR, and Pananlade FPCL also contributed to enhancing the outreach. The program empowered farmers to adopt environmentally sustainable techniques, improving resilience and productivity in their agricultural operations. The interactive sessions discussed various parameters of water management techniques – like Drip irrigation, Water shed management, Rainwater harvesting, Sprinkler irrigation, Precision Irrigation, Irrigation scheduling & Wastewater Treatment -, Soil conservation aspects like mulching, conservation tillage, crop rotation, Rotational grazing etc -, advanced techniques in farming such as precision farming, Aquaponics, organic farming etc.

As part of the ESAF Bank CSR initiative, Prachodhan Development Services (PDS) conducted a series of capacity-building training sessions from 17 to 28 May which were held at Aandhbori, Rasa, and Ichora villages in Yavatmal District Maharashtra. These sessions aimed to mobilize farmers and strengthen the functional relationship between Farmer Producer Groups (FPGs) and Farmer Producer Organizations (FPOs). The program which was organized by KALAMB KRUSHIMITRA FPC Ltd., witnessed enthusiastic participation of 139 farmers across the three villages. Mr. Pratik Daryapurkar from ESAF Bank Yavatmal facilitated the sessions, focusing on forming FPGs/Producer Groups/SHGs. Through this training the roles and responsibilities were clarified among FPG presidents, secretaries, and members, ensuring effective collaboration

As part of the ESAF Capacity Building and Market Linkage project, a three-day residential training program on “FPO Management – Action Business Plan” was conducted from 28th to 30th August at PRADAN Training Center, Narmadapuram, Madhya Pradesh. The event aimed to equip 27 participants from 12 existing FPCs with skills in annual planning, action plan preparation, market linkage facilitation, and more. The program included an exposure visit to Chirayu Farmer Producer Organization, concluding with feedback, certificate distribution, and a valedictory session.

As part of its CSR initiative, ESAF Bank’s Prachodhan Development Services celebrated World Environment Day with 355 farmers across Maharashtra and Madhya Pradesh. The event focused on planting saplings and spreading awareness classes on climate-smart agriculture, addressing topics such as adaptation methods, increasing agricultural productivity, food security, and reducing greenhouse gas emissions from agriculture. Also, emphasized on soil conservation practices and water-smart crop selection. The UN theme of the year, “Land Restoration, Desertification, and Drought Resilience,” resonated strongly with the participants. Guests, including agricultural supervisors, assistants, sarpanches, ESAF Bank employees, and FPO representatives, recognized the importance of the day and willingly participated in this program. Mr. Deepak from Premier Irrigation Adritec shared insights on water management techniques, including drip irrigation, watershed management, rainwater harvesting, and precision irrigation methods like sprinkler irrigation and polyhouse farming. Mr. J K Kanojiya, Agriculture Officer gave informative talk on Agri department schemes for tree plantation, importance of organic farming, mulching, orchard plantation, natural farming, etc. PMFME (Pradhan Mantri Formalisation of Micro Food Processing Enterprises) Scheme also highlighted in the session. Also distributed 100 Fruit Trees saplings to the farmers on this occasion.

ESAF Santhwana

Protecting Our Elders: Senior Citizens Abuse Awareness Class

As part of the Corporate Social Responsibility (CSR) initiatives of ESAF Small Finance Bank, the ESAF Foundation organized an awareness class on senior citizens’ abuse in collaboration with Kondotty Municipality and the Vayomitram Project. The event focused on preventing abuse against senior citizens and educating them on their rights and available benefits.

The session was inaugurated by the honourable Chairperson of Kondotty Municipality, Mrs. Fathima Zuhra Beevi, on Monday, June 24, 2024, at 10:30 AM at the Thurakkal Vayomitram Clinic. Mr. K. P. Firoz, Chairman of the Kondotty Municipality Welfare Committee, presided over the event. The gathering also included various committee members, division councillors, office bearers of senior citizen clubs, ESAF Bank Manager Maria Jose, and ESAF Foundation representatives Krishna Kumar and Abdul Majeed, all of whom extended their heartfelt wishes for the success of the initiative.

Kerala Social Security Mission Program Coordinator, Mr. Muhammad Faisal, conducted an insightful awareness class focusing on the rights, benefits, and legal protections available to senior citizens. The event saw the participation of approximately one hundred attendees, including senior citizens and volunteers. The vote of thanks was delivered by Vayomitram Coordinator, C. Jafar.

This event underscores the commitment of the ESAF Small Finance Bank and its partners in promoting the welfare and rights of senior citizens in the community.

As part of the ESAF Small Finance Bank’s (SFB) Corporate Social Responsibility (CSR) initiative, the ESAF Foundation hosted an engaging session on mental health literacy under the ESAF Santhwana project. The event took place at Sree Tharackal Temple Hall in Ananadhapuram and was attended by 40 participants.

The session commenced with an inaugural address by Mr. Sunil Kumar, the Panchayat Ward Member. Mrs. Radhika Murukan, an ASHA Worker from Ward 1, delivered the welcome speech. The presidential address was given by Mr. Siju Paul P, President of the Mereena Library. The session was expertly handled by Mr. Shafeeq K Y, District Coordinator of Vimukthi Thrissur.

The event concluded at 12:30 PM with a vote of thanks by Rosemary John, the Santhwana Project Coordinator.

The primary focus of the session was to emphasize the importance of mental health literacy. Mental health literacy aims to promote an accurate understanding of mental illnesses, thereby combating misconceptions and the associated stigma. It also seeks to enhance the competencies of individuals and communities, enabling them to achieve their self-determined goals.

As part of its Corporate Social Responsibility initiatives, ESAF Small Finance Bank organized a comprehensive mental health literacy session through the ESAF Santhwana project at NSS College, Pandalam, on September 10, 2024, coinciding with World Suicide Prevention Day. The event attracted 125 attendees and was chaired by Mrs. Jyoti, the NSS Program Officer. It commenced with a welcoming address from an NSS representative, followed by an engaging icebreaker activity facilitated by Jenson Jacob. A key feature of the session was a presentation by Dr. John Jacob, phycologist who provided valuable insights into mental health and effective strategies for preventing suicide. Participants were encouraged to engage in discussions and share their viewpoints. The event concluded with feedback from NSS volunteers and with National Anthem. This initiative aimed to enhance mental health awareness and promote open dialogue, in line with the global theme, “Creating Hope Through Action.”

ESAF Direct community intervention through branches

ESAF Handover Health Service Vehicle to Amala Fellowship, Angamaly.

As part of the CSR initiative of the ESAF Small Finance Bank, the ESAF Foundation purchased a Health Service Vehicle (Maruti Suzuki EECO {CNG Petrol}) and handed it over to Amala Fellowship Angamaly. This expanded their palliative care activities to help needy patients at the community level. The Vehicle key was handed over by Mr K Paul Thomas, MD & CEO, ESAF SFB and received by Mr George P Kurian, President- Amala Fellowship.

Mrs Mareena Paul, Executive Director of ESAF Foundation, Mr George Thomas, Executive Vice President, Mr Reji Koshy Daniel- Head of Sustainable Banking, and other officials from ESAF SFB, ESAF Foundation and Amala Fellowship attended the function.

As part of ESAF Small Finance Bank’s Corporate Social Responsibility (CSR) initiatives, 5 KW on-grid Solar Power systems were installed at St. Joseph’s & St. Cyril’s Higher Secondary School (HSS) in Mangad and BEMP Higher Secondary School (HSS) in Thalassery. The handover ceremonies for these solar power systems took place on June 5, 2024, at the respective schools.

At BEMP HSS, Thalassery, the solar system was handed over by Mr Seju S. Thoopil, Regional Head of ESAF Small Finance Bank, Kozhikode, to the school principal, Mr Shaji Arun Kumar. The event was presided over by Hanifa Muhammad Ali, the PTA President, and attended by Deepa Lilly Stalin, Head Mistress, P.M. Arashaf, a school alumnus, and Sajitha Mariam Philip. Mr Girish Vasudevan, Cluster Head of ESAF SFB Kannur, was also in attendance.

In Mangad, the handover ceremony at St. Joseph’s & St. Cyril’s HSS was inaugurated by Smt. Mereena Paul, Executive Director of ESAF Foundation, officially handed over the solar system to the school. The event featured addresses by Rev. Fr. Joseph Thazhathel, School Manager, and Mr. V. Manoj Kumar, a member of Kerala Sasthra Sahithya Parishath. Mr. Reji Koshy Daniel, Vice President of ESAF Small Finance Bank, honoured the members of Harithasena. The ceremony also included felicitations by Adv. K. Ramakrishnan from Porkulam Panchayath, Ms. Smitha Ramachandran, Cluster Head of ESAF Small Finance Bank, Kodungallur, and Ms. Vijitha Preji, the PTA President of St. Joseph’s & St. Cyril’s HSS, Mangad. Smt. Raisy Jose Chemmannur, the Convenor, delivered the vote of thanks. These initiatives are implemented by the ESAF Foundation and further, it reflects the ESAF Small Finance Bank’s commitment to sustainable development and community upliftment, promoting renewable energy and reducing carbon footprints in educational institutions.

As part of its Corporate Social Responsibility (CSR) initiatives, ESAF Small Finance Bank, through its Manarkad branch, recently donated laptops and Bluetooth speakers to CMS LP School in Machukad. The ceremony, held on June 24, 2024, was a significant event graced by various dignitaries and community members. The program was officially inaugurated by Mr. George K. John, Executive Director of ESAF SFB, who handed over the items to Mr. Benny Mathew, Headmaster of CMS LP School, and Rev. Anoop George Joseph, Manager of CMS LP School. Ms Ponnamma Chandran, President of Puthuppally Gram Panchayath, presided over the function. Other notable attendees included Mr Joseph Varghese, Associate Vice President & Head of Financial Institutions Business, ESAF SFB; Ms Rakhimol Sam, PTA President of CMS LP School; Mr Pradeep Nair, Regional Head of ESAF SFB, Ernakulam; Ms Deepa Jose, Cluster Head of ESAF SFB, Kottayam; and Mr Saiju P.S. and Mr Vinaya Chandran M., representatives from the Sustainable Banking Department, ESAF SFB. The event was also attended by enthusiastic students, dedicated teachers, and other community dignitaries, all of whom celebrated this generous contribution aimed at enhancing the educational resources of CMS LP School.

As part of its commitment to community betterment through Corporate Social Responsibility (CSR) initiatives, the ESAF Small Finance Bank, via its ESAF Foundation, made a significant contribution to public health by donating a Health Service Vehicle (Bolero Neo N8) to the Community Health Centre in Vellanikkara. The donation, which took place on June 22, 2024, aims to enhance healthcare accessibility for the local population.

The handover ceremony was a notable event, graced by the Honourable Revenue Minister, K. Rajan, who officially handed over the vehicle keys to Dr. K.S. Jayanthi, Superintendent of CHC Vellanikkara. The event symbolized the collaboration between government bodies and private institutions in promoting public health.

Mr. K. Paul Thomas, Managing Director & CEO of ESAF Small Finance Bank, marked the occasion by flagging off the vehicle, signifying the bank’s ongoing commitment to supporting essential community services. The ceremony was also attended by several esteemed guests, including Mrs. Mareena Paul, Executive Director of the ESAF Foundation, Mr. Jacob Samuel, Co-founder of the ESAF Foundation, Mr. George Thomas, Executive Vice President of ESAF SFB, K. R. Ravi, President of the Ollukara Block Panchayat and other community leaders.

The newly donated Health Service Vehicle is expected to play a crucial role in improving healthcare delivery for the residents of Vellanikkara and surrounding areas. It will facilitate quicker and more efficient medical services, thereby enhancing the overall health and well-being of the community. This initiative highlights the ESAF SFB’s dedication to fostering community development and underscores the vital impact of corporate philanthropy in addressing local needs.

By investing in such meaningful projects, ESAF Small Finance Bank and ESAF Foundation continue to demonstrate their unwavering commitment to creating positive social change and uplifting the communities they serve.

As part of its ongoing Corporate Social Responsibility (CSR) initiatives, ESAF Small Finance Bank’s Thiruvananthapuram-Medical College branch recently handed over eight bedside lockers to the child ward of the Cancer Remedy Association Bureau (CRAB) in Thiruvananthapuram. The ceremony, which took place on July 4th, 2024, at CRAB, was implemented by the ESAF Foundation.

Ms Kavitha R G, the Branch Head, began the event with a warm welcome speech, followed by Mr Wilson Thomas, Assistant Vice President (AVP) of ESAF Bank, who highlighted ESAF’s social commitment. Kishore Gopi, Treasurer of CRAB, spoke about their dedication to supporting cancer patients. The formal handover was conducted by Mr Justin Jacob George, Cluster Head of Thiruvananthapuram, ESAF SFB, and the event concluded with a heartfelt vote of thanks by Shri Sajji Karunakaran, Secretary of CRAB, who appreciated ESAF SFB and ESAF Foundation’s generous contribution. This initiative exemplifies the collaborative power of corporate and community partnerships in enhancing healthcare services.

As part of its ongoing Corporate Social Responsibility (CSR) initiatives, ESAF Small Finance Bank’s North Paravur branch recently installed and handed over a water treatment plant to the Santhitheeram Society for Family Harmony in Perumpadanna. The ceremony took place on July 9th, 2024, at the society’s premises. The program was officially inaugurated by Mr Pradeep Nair, Regional Head of ESAF SFB, Ernakulam, who handed over the facility to Sr. Dr Rose Jose, CHF, Director, and Sr. Dr Diya John, Secretary, Santhitheeram.

Other dignitaries present at the event included Mr Rajesh Moothedan, Cluster Head, Muvattupuzha; Mr. Krishnadas N.R., Branch Manager, North Paravur; and representatives from the Sustainable Banking Department, ESAF SFB, Mr. Saiju P.S. and Mr. Vinaya Chandran M. The event was also attended by the inmates and support staff of the organization.

ESAF SFB implemented this project through its implementing partner, ESAF Foundation. This project is a significant step in ensuring access to clean and safe drinking water for the members of the Santhitheeram Society for Family Harmony. Clean water is essential for health and well-being, reducing waterborne diseases, and improving the overall quality of life. This initiative underscores ESAF Small Finance Bank’s commitment to sustainable development and its dedication to enhancing community welfare through impactful CSR activities.

As part of ESAF Small Finance Bank’s community intervention initiative, an LED TV was donated to the Pre-Metric Boys Hostel in Vettilappara on September 2, 2024. The event was inaugurated by Sri Paul Thomas, Managing Director and CEO of ESAF Small Finance Bank, with the esteemed presence of Smt. Mereena Paul, Executive Director of ESAF Foundation. Also, the program was blessed with the presence of Sri Jeneesh P. Jose, Member of the District Panchayat-Thrissur, Adv. Athira Devarajan, President of Athirapilly Grama Panchayat, and Smt. Soumini Manilal, Vice President of Athirapilly Grama Panchayat. This contribution aligns with ESAF’s commitment to supporting educational infrastructure and enhancing student welfare in underserved communities.

On September 9, 2024, ESAF Small Finance Bank’s Katpadi Branch, in collaboration with ESAF Foundation, donated a 10kVA off-grid solar PV system to Shalom Bhavan, a care home runs by the St. Thomas Evangelical Church of India in Vellore. The solar system was inaugurated by Shri George K. John (Bobby), Executive Director of ESAF SFB, who emphasized the bank’s focus on sustainability and renewable energy. Beena George, Chief People Officer of ESAF Cooperative, praised the initiative for its commitment to environmental goals. The ceremony concluded by formal documents hand overing of thesolar system, ensuring long-term support. Rev. Vijo V J, Assistant Director of Shalom Bhavan, expressed gratitude during the event’s closing prayer.

ESAF Small Finance Bank, as part of its community intervention initiative, has contributed a water cooler to Shishu Sanskar Kendra Higher Secondary School in Mahasamund. This donation was facilitated through our Mahasamund branch in partnership with Prachodhan Development Services. The inauguration ceremony was successfully held on 30 September 2024, presided over by Mr. Nishant Anshu, Raipur Cluster Head, along with Mr. Ramesh Lahare from Marketing PR and other officials from ESAF. The event was graced by the presence of the school’s management, including Mr. Sharad Jain, Secretary of the School Committee, and Mr. Avanish Wanni, Principal of Shishu Sanskar Kendra. Cluster Head Mr. Nishant Anshu gave a talk on the bank’s vision and mission, while school authorities expressed their gratitude for the provision of the water cooler, recognizing it as a significant contribution to the student’s well-being.

As part of its Corporate Social Responsibility (CSR) initiatives, ESAF Small Finance Bank, through its implement agency Prachodhan, inaugurated a hand pump in Chapatari, Dumka, on 09th August 2024. The service aimed to address the critical water scarcity in the village, benefiting approximately 300 community members. Esteemed guests included Sony Mathew, Head of Branding Communication and PR, Aswin Antony, Senior Manager of Branding & Communications, ESAF Bank, Manju Kumari, Assistant Manager from the Sustainable Banking CSR team, and Dr. A. V. Jose, Principal of Lahanti College, Dumka. During the event, the dignitaries highlighted ESAF’s commitment to improving community health and livelihoods. The installation of the hand pump marks a significant step toward reducing the burden on women and children who previously faced the challenges of inadequate water supply.

Maharashtra:

As a part of CSR initiative of ESAF Small Finance Bank, on August 7th and 8th 2024 Sironcha branch in Gadchiroli district of Maharashtra organized a Flood Relief Food Kit distribution in flood affected area. The area near the branch has been heavily affected by recent flooding due to intense rainfall in Gadchiroli district. So many families have been affected badly and require support. The branch team has visited the affected area and has proposed distribution of grocery kits to 300 families residing in Chitarevala, Gumalkonda, Mukidguatta, Medaram and Dechali villages. The food kits were distributed to all needy people who are suffering from the flood, supports the local community. The event was graced by the presence of Cluster Heads Lankesh Borikar and Pawan Arigelwar, Chandrapur Cluster Area Manager Rashtrapal Meshram, Gadchiroli Area Branch Head Vikki Kudmete, CSM Rajesh Jakkawar, and the Sironcha branch staffs. The beneficiaries expressed their heartfelt gratitude to ESAF Small Finance Bank for their support.

As a part of ESAF Small Finance Bank’s CSR initiative, Prachodhan Development Services, initiated relief activities in flood-affected areas of Kerala. Provision kits were distributed to guest workers at Pallu Thevar Mahavishnu Temple Relief Camp, Elemthuruthy, by Smt. Emy Acha Paul, Prachodhan’s Director, and the ESAF GARSHOM team. They reached flood-hit regions like Erumapetty, Kadangode, and Patni, distributed 340 kits. Medical camps were also conducted in Mepady, assisting 50 guest workers from MP, Assam, and Tamil Nadu, employed by Harrison Malayalam Company, addressing post-flood health issues such as infections, fevers, and orthopedic concerns, offering critical health check-ups and preventive care.

As part of ESAF Bank’s CSR initiatives, Prachodhan Development Services launched emergency relief programs in response to severe flooding in Assam. In July, food kits were distributed to 780 flood-affected families across 11 villages in Majuli, including Moloyachapori, Kulichapori, Pekamoni, Ahotguri, Na-ali, and Lakhimpur. These food kits provided support to 7,000 individuals. The initiative was supported by local authorities, including Mr. Rahul, Pegu Assam Civil Services (ACS) and Mr. Papori Boruah from the Disaster Management Authority. Headman, Mr. Dhanjitram, along with members of Takam Missing Porin Kebang (TMPK) and the Missing Autonomous Council, aimed to address the immediate needs of families affected by the floods by providing essential food supplies to those in need. Two volunteers, Mr. Diganta Hazarika and Mr. Minoy Pegu from the Majuli branch, also joined the food kit distribution. The relief efforts were well-coordinated, demonstrating the commitment of all involved parties to support flood-affected communities in Assam.

As part of the CSR initiative of ESAF Small Finance Bank, Prachodhan handed over a 5 KW solar panel to the Mission India Vidyaniketan School Kuhi, Nagpur through the Nagpur-Sadar Branch on June 19, 2024. During the inauguration ceremony, Shri K. Paul Thomas, MD and CEO of ESAF Small Finance Bank, inaugurated the program by switching on the solar system. Smt. Emy Acha Paul, Director of Prachodhan Development Services, officially handed over the document to Shri Samuel John, Principal of Mission India Vidyaniketan School. The event was graced by the presence of distinguished guests, including Smt. Saleena George, Chairman of ESMACO, Shri George Thomas, EVP and Human Resources, ESAF SFB; Shri Reji Koshy Daniel, VP and Head of Sustainable Banking, ESAF SFB; Shri Sreekanth C.K Head of Marketing department, ESAF SFB, Shri Radhakrishnan D Head of Agri Business, ESAF SFB. Shri Sanjeev Kumar Hotta, Regional Head of Nagpur, ESAF SFB; Shri Ashish Bernard, Branch Head of Nagpur Sadar Branch, ESAF SFB; Rev. P. D. Joseph, Chief Functionary of Mission India, and Smt. Harsa Indurkar, Kuhi Nagar Sevika, were also present.

In response to a request from the DC office of Ramgarh for wheelchairs to assist elderly voters during the General Election 2024, Kishore Kumar Jha Branch, Head of Ramgarh, engaged the CSR team for instant support. With the support of ESAF Small Finance Bank CSR, Prachodhan one of implementing partner provided support for a wheelchair before the election started. This support has significantly bolstered our CSR efforts, ensuring better coordination and impactful community engagement. The support was facilitated by the Ramgarh Branch Manager in coordination with the Chief Managers of the Ramgarh District Collector Office. On the completion of the election which is held in the months of April to May, the wheelchair was given back to the bank branch for providing continuous support to serve senior citizens and disabled visitors at the bank.

As part of its Corporate Social Responsibility (CSR) initiatives, ESAF Small Finance Bank donated a Water Purifier to St. Thomas Mission School, Toranwada, Amla, Madhya Pradesh through Amla branch. The water purifier was handed over to Mr. Shibu P. Koruth, Executive Director of St. Thomas Mission School by Shri. Leji Joy, Admin Head of ESAF Small Finance Bank. The event was inaugurated by Shri. Vishal Chaturvedi, Cluster Head of ESAF SFB, Bhopal. Siju Alex Itty, Manager of the school, along with Shri. Saurabh Sachan, Branch Head, Shri. Sourabh Singh, and Shri. Tarun Charpe from bank also attended the event. The occasion was graced by the presence of students, teachers, and staff from the school.

ESAF Village Level Entrepreneurship Development Program

ESAF Urjabandhu 5 Days Training Program – Salem

As part of the CSR initiatives of ESAF Small Finance Bank, the ESAF Foundation conducted a 5-day training program under the ESAF Urjabandhu program. The Urjabandhu Tamil Nadu batch training was held at NIRE Institute, Salem, from 8th to 12th July 2024. Sixteen participants attended this five-day residential training program, which focused on the Installation and Maintenance of Solar PV Systems. The program combined theoretical knowledge with practical workshops, facilitated by professional trainers from NIRE Institute.

The training covered essential topics such as Solar PV system design, component overview, installation techniques, and maintenance practices. A special highlight was the exposure site visit, where participants observed real-world Solar PV applications and interacted with field experts.

Participants gained valuable skills in designing, installing, and maintaining Solar PV systems. The hands-on sessions and practical workshops greatly enhanced their learning experience. Positive feedback from participants highlighted the program’s effectiveness in blending theory with practical application.

Overall, the Urjabandhu 5-Day Training Program in Salem successfully equipped participants with the necessary skills and knowledge to excel in the solar energy sector. The initiative received commendations for its comprehensive approach and high-quality training delivery.

As part of the ESAF Bank CSR initiative, Prachodhan Development Services (PDS) Organized five animal health camps in Heerapur, Pipaler, Kulans Khurd, and Ramakhedi villages, Sehore Madhya Pradesh from 13th to 17 May. The program was led by Dr. Ramkrishna Shakaya and a team of AVFOs (Assistant Veterinary Field Officers). These camps were able to provide comprehensive services including health check-ups, disease diagnosis, surgeries, and artificial insemination. Over 230 farmers and 1,445 livestock, including cows, buffaloes, goats, bulls, and rabbits, got benefited from the initiative. The event aimed to improve livestock health, raise awareness on artificial insemination, and promote the dairy business. Newly trained technicians supported the camps, ensuring efficient and effective service delivery.

As part of ESAF Small Finance Bank’s CSR initiatives, Prachodhan Development Services organized the Pashumitra Artificial Insemination technician kit and certificate distribution ceremony on 6th August 2024 at Hotel Palash Inn, Yavatmal. The event aimed to provide essential kits and certificates to the participants for enhancing their skills in animal husbandry. Honoured guests included Smt. Kranti Katole, District Animal Husbandry Officer, Yavatmal, Mr. Atul Ingle, District Development Manager NABARD, and Dr. Amol Chaudhari, District Coordinator BAIF. Also, from ESAF Bank, Mr. Reji Daniel Department Head of Sustainable Banking, Mr. Manoj Kumar from the Agriculture Department, and other key staffs shared insights on financial support for agriculture and livestock ventures. The program distributed 30 artificial insemination kits and 45 certificates, equipping Krushakmitra and Pashumitra candidates. This initiative reflects ESAF’s commitment to supporting sustainable livelihoods through capacity building and collaborative efforts in the agriculture and animal husbandry sectors.

ESAF Centre for Excellence in Collective Enterprises

ESAF Foundation Organizes Buyer-Seller Meet for Agri Sector

ESAF Small Finance Bank’s CSR initiatives hosted a buyer-seller meet and agro-products exhibition at Vasantrag Maik Shetkari Swanlambs Kendra Hall. The event connected 269 participants, including 20 farmer producer organizations, 62 producer groups, local traders, and major buyers from agriculture and allied industries. Buyers also from sectors like earthworm compost and grocery marts engaged with sellers. Government officials and industry experts from NABARD, KVKS, and other institutions provided valuable insights. The event resulted in over 20 business matches, with ₹1 lakh worth of transactions initiated on the same day. Around 60-80% of participants expressed satisfaction with the event, which successfully enhanced market access and business opportunities for FPOs and PGs in the agricultural sector.

ESAF Garshom

School kits distribution for Migrant’s kids:

As part of ESAF Bank’s CSR initiative, Prachodhan Development Services organized a one-day Leadership Training and School Kit Distribution at the Sri C Achutha Menon Government College Conference Hall in Kuttanellor on 8th June 2024. Sri Ali Mohammad Saquib, Vice President and Chief Technology Officer of ESAF Bank, delivered the presidential address. The program provides engagement activities to the children and distributed school kits to 35 children of guest workers (migrant labours) attending local schools. Five volunteers from the bank assisted in coordinating and organizing the event. Smt. Emy Acha Paul, Director of Prachodhan Development Services, led an interactive session with the students, who were later appreciated with prizes for participating in various games like Number puzzle, poster making, musical chair, dancing. Lunch and refreshments were served, making the event a wholesome experience for everyone.

As part of ESAF Bank’s CSR initiative, Prachodhan Development Services organized three awareness programs and medical camps for guest workers (migrant labours) in Kattoor, Koratty, Erumapetty, and Kadangode on the 14th, 19th, and 20th of June 2024. These camps were strategically held at residential areas and worksites to ensure accessibility and reach. The medical camp unit provided health check-ups and consultations for the guest workers (migrant labours). During the financial literacy awareness program, ESAF Garshom Coordinator, Shri Shanoy P M explained about the importance of budgeting, investment, savings, emergency funding and differentiating needs from wants. The initiative reached 103 guest workers (migrant labours), equipping them with crucial financial knowledge and addressing their health concerns.

As part of ESAF Bank’s CSR initiatives, Prachodhan Development Services organized a one-day event titled ‘Athidhi Sangam’ for guest workers and leadership training for their children at Aiswarya Kalayanamandapam in Thrissur on 7th July 2024. The event aimed to impart leadership, life skills, and problem-solving skills to the children, while also providing a refreshment program for guest workers residing in Erumapetty. Total 200 guest workers and 35 children participated in the event. Shri. Jobin Varghese, Manager of Prachodhan, detailed the activities of the Garshom project in his welcome speech. Shri. Iju MC, Ward Member of Erumapetty Grama Panchayat, delivered the presidential address, highlighting the support from the Malayali Samajam in UAE and ESAF’s efforts in Kerala. Shri. Basanthlal S, President of Erumapetty Grama Panchayat, inaugurated the event and distributed school kits. The event featured dance and song performances by students. Three volunteers from bank also participated in the event to provide support in basic arrangements. Community Health Centre’s Junior Health Inspectors, Shri Joseph and Chandran, launched the ‘GARSHOM CLINIC’ medical camp for guest workers. The event concluded with a ganamela and dinner.

As part of ESAF Bank’s CSR initiatives, Prachodhan Development Services hosted an Onam celebration for guest workers at Thevar Mahadeva Temple Auditorium, Elamthuruthy. The event aimed to foster social inclusion by allowing the guest workers to participate in Kerala’s traditional festivities. Ms. Emy Acha Paul, Director of PDS, warmly welcomed the participants, and Shri Sudev Kumar from E-Branch Banking emphasized the importance of financial security and health. Shri Dennis Thomas delivered the Onam message, urging workers to manage their earnings wisely while narrating the story of Mahabali and Vamanan. Games and cultural activities were held for all age groups, creating a joyful atmosphere. The event concluded with gratitude expressed by Shri Shanoy P.M., Senior Executive of the project, to all contributors and participants.

IRMA has begun the first-ever Management Development Programme on ‘Business on Values’ in association with ESAF Bank and the ESAF Chair on Business on Values at IRMA. The programme is being spearheaded by Prof. Sushanta Sarma with Prof. Madhavi Mehta, Prof. Rahul Ashok Kamble and Shri Reji Daniel KOSHY from ESAF Bank also conducting sessions.

The programme was inaugurated in the presence of Dr. Umakant Dash, Director, IRMA; and Shri Paul Thomas, MD & CEO, ESAF Bank.

The programme has been designed for the senior executives of ESAF Bank and aims to address several challenges associated with conducting business on values and how conflicting values operate and influence daily decision-making.